EZPW

Based on EZCORP, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does EZCORP do?

EZCORP provides short-term pawn loans secured by personal property such as jewelry, electronics, tools, and musical instruments. When borrowers do not reclaim their collateral, the company sells those goods through its retail stores. It also offers digital platforms — Lana and EZ+ — to help customers manage loans online. Operations span the US, Mexico, and Central America.

Does EZPW pay dividends?

EZPW does not currently pay a dividend. The company appears to prioritize reinvesting capital into store network expansion and digital platform development rather than returning cash to shareholders through distributions.

When does EZPW report earnings?

EZCORP follows a standard quarterly earnings reporting schedule. For exact dates and the most recent financial results, check the investor relations section of the company's official website.

Is EZPW a good stock to buy?

UQS Score rates EZPW as Good overall. The Growth and Risk pillars are both rated Good, and Valuation is Attractive. The Moat pillar is rated Weak, which is a consideration for long-term investors. The complete pillar breakdown is available to UQS Pro members.

Is EZPW overvalued?

The UQS Valuation pillar for EZPW is rated Attractive, suggesting the stock may be trading at a reasonable or favorable level relative to its fundamentals. This does not constitute a price target or guarantee of future returns — view the full valuation metrics with a Pro account.

How does EZPW compare to its competitors?

EZCORP's physical pawn store model differs meaningfully from digital-first lenders like LendingClub or tech-driven platforms like Qfin. Its focus on collateral-backed lending in underbanked US and Latin American markets gives it a distinct customer base, though its Weak Moat rating suggests limited structural advantages over rivals.

What is EZPW's market cap bracket?

EZCORP is classified as a small-cap company. This places it in a segment of the market that can offer growth potential but may also carry higher volatility and lower liquidity compared to large- or mega-cap peers.

Who founded EZCORP?

EZCORP was founded in 1991. For detailed founding history and leadership background, the company's official website and public filings are the most reliable sources.

Is EZPW a long-term quality stock?

As a long-term quality indicator, EZPW's Good UQS Score reflects a mixed but constructive profile. The Good Growth and Good Risk ratings are encouraging, but the Weak Moat rating raises questions about the durability of competitive positioning over an extended horizon. Pro members can access the full multi-pillar breakdown.

What is the main competitive advantage of EZCORP?

EZCORP's scale — with over a thousand pawn stores across the US and Latin America — and its established brand in underbanked communities represent its primary operational strengths. However, the UQS Moat pillar rates these advantages as Weak, indicating the pawn lending industry does not offer strong structural barriers to competition.

What sector does EZPW belong to?

EZCORP operates in the Financial Services sector, specifically within the alternative lending and pawn services niche. It serves customers who may lack access to traditional bank credit, using personal property as collateral for short-term loans.

Is EZPW a growth stock or value stock?

Based on UQS pillar labels, EZPW shows characteristics of both. The Growth pillar is rated Good, reflecting positive business momentum, while the Valuation pillar is rated Attractive — suggesting the stock is not priced at a significant premium. This combination may appeal to investors seeking growth at a reasonable price.

EZCORP, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

EZCORP, Inc. is growing rapidly with strong revenue and earnings expansion.

EZCORP, Inc. carries minimal financial risk with conservative leverage and strong solvency.

EZCORP, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

EZCORP, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for EZPW.

The UQS (Unified Quality Score) for EZCORP, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses EZCORP, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether EZCORP, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.